DFSU vs SCHD
Dimensional US Sustainability Core 1 ETF vs Schwab US Dividend Equity ETF
Which is better, DFSU or SCHD?
Large Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. DFSU led over 3Y and the full window, SCHD over 1Y. DFSU is less concentrated, with 31.8% of the fund in its ten largest positions against 41.8%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | DFSU | SCHD |
|---|---|---|
| Expense Ratio | 0.15% | 0.06%Best |
| AUM | $2.3B | $119.9B |
| Dividend Yield | 0.84% | 2.96% |
| Holdings | 1,958 | 204 |
| YTD Return | +11.22% | +33.09%Best |
| 1Y Return | +12.36% | +37.17%Best |
| 3Y Return (annualized) | +20.73%Best | +20.32% |
| 5Y Return (annualized) | - | +10.36% |
| Volatility (annualized) | 13.5%Best | 14.0% |
| Max Drawdown | -19.9% | -16.1%Best |
| $10,000 over 4 years | $20,067Best | $17,122 |
| Top 10 Weight | 31.8%Best | 41.8% |
| Fund Family | Dimensional | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Nov 1, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Nov 2, 2022 to Nov 11, 2026 (4 years).
DFSU vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4 years both funds cover.
DFSU vs SCHD Performance
Dimensional US Sustainability Core 1 ETF (DFSU) is an ETF from Dimensional and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year DFSU returned +12.36% while SCHD returned +37.17%. Year to date, DFSU is up 11.22% versus a gain of 33.09% for SCHD.
Over three years, DFSU compounded at +20.73% per year against +20.32% for SCHD. Across the full 4-year window we track, DFSU has the edge at +19.02% annualized vs +14.39%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.0% compared with 13.5% for DFSU. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -19.9% for DFSU and -16.1% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
DFSU charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, DFSU currently yields 0.84% against 2.96% for SCHD.
Holdings Overlap
7.2% of DFSU's money is in holdings SCHD also owns. 74.3% of SCHD's money is in holdings DFSU also owns.
Most of SCHD is already inside DFSU. Owning both mostly buys the same companies twice.
79 positions in common, counted across the 1,979 positions we hold weights for in DFSU and 98 in SCHD, against full books of 1,958 and 204.
What only one of them owns
Our book lists 19 positions for SCHD that do not appear in our book for DFSU (25.5% of the fund), and 1,069 for DFSU that do not appear in SCHD (90.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in DFSU | Weight in SCHD | Difference |
|---|---|---|---|
| KOCoca Cola Co. | 0.52% | 4.28% | 3.76% |
| PGProcter & Gamble Company | 0.32% | 4.36% | 4.04% |
| UNHUnitedhealth Group Incorporated | 0.57% | 4.07% | 3.50% |
| MRKMerck & Company Inc | 0.57% | 4.00% | 3.43% |
| QCOMQualcomm Inc. | 0.36% | 4.18% | 3.82% |
| AMGNAmgen Inc. | 0.50% | 3.96% | 3.46% |
| HDHome Depot Inc | 0.55% | 3.82% | 3.27% |
| ABTAbbot Laboratories | 0.12% | 3.84% | 3.72% |
| PEPPepsico Inc | 0.15% | 3.79% | 3.64% |
| VZVerizon Communic | 0.23% | 3.64% | 3.41% |
74.3% of SCHD is already inside DFSU.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, DFSU or SCHD?
DFSU has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option, by $9 a year on a $10,000 investment.
Which performed better, DFSU or SCHD?
Over the past year DFSU returned +12.36% vs +37.17% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), DFSU annualized +19.02% vs +14.39% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DFSU or SCHD?
SCHD has been the more volatile fund at 14.0% annualized versus 13.5% for DFSU. Worst drawdown: DFSU -19.9% vs SCHD -16.1%.
Should I hold both DFSU and SCHD?
DFSU and SCHD have a monthly-return correlation of 0.61, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between DFSU and SCHD?
74.3% of SCHD's money is in holdings DFSU also owns. 74.3% of SCHD's is in holdings DFSU also owns. They hold 79 positions in common, counted across the 1,979 positions we hold weights for in DFSU and 98 in SCHD.
Which pays a higher dividend, DFSU or SCHD?
DFSU yields 0.84% while SCHD yields 2.96%, so SCHD currently pays the higher dividend yield.
Is SCHD better than DFSU?
SCHD has a lower expense ratio. DFSU led over 3Y and the full window, SCHD over 1Y. DFSU is less concentrated, with 31.8% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.